here we are, we are out of recession but the economy is stagnant. >> when to ask for funding. >> is it a good idea for us to borrow money from the bank before the savings are depleted or should we wait, should we continue to burn through those and to live zero left? >> i think you never want to hit zero. >> yes. to answer this question, i guess the first thing that comes to mind is you have to think about the likelihood of failure. failure two years out, three years out, four years out. you have to think about, you know, who is going to get hurt the most in this? what's very hard for people who start businesses that don't get outside investors is that it's their savings. they feel the failure more than if they had a venture capital backer. if you borrow money from friends and family, they may suffer. >> you should be talking to people about getting money if you need it, don't get down to the wire. >> i say business is like dating. you never want to be desperate. if you have the chance now, while you are ahead to get padding room, you are not only creating a cushion for yourself, but de